Everything Financial Loans UK (clone of an FCA authorised firm)

What Is This Scam?

Everything Financial Loans UK is a fraudulent operation that impersonates a legitimate, FCA-authorised financial services firm. The scam targets consumers seeking fast cash loans by using the trusted branding and regulatory credentials of a genuine company. Fraudsters operating this clone use deceptive contact methods, including email communications, to lure victims into providing personal and financial information or to trick them into paying upfront fees for loans that will never materialise.

This type of fraud is particularly dangerous because it exploits the consumer's trust in regulated financial institutions. Victims may believe they are dealing with an authorised lender when in fact they are communicating with criminals operating an entirely separate, unauthorised entity.

Who Are They Impersonating?

The scammers are impersonating Everything Financial Technologies Ltd, a genuine FCA-authorised financial services firm. The legitimate company holds the following credentials:

• Firm Name: Everything Financial Technologies Ltd
• FCA Firm Reference Number: 964790
• Registered Address: Future Space, UWE North Gate, Filton Road, Bristol, BS34 8RB, United Kingdom
• Legitimate Contact Telephone: +4433315551073
• Regulatory Authority: Financial Conduct Authority (FCA)

The legitimate firm is properly regulated by the FCA and can be verified through the official FCA register at www.fca.org.uk. Consumers should always independently verify a firm's credentials before providing any personal or financial information.

Evidence & Regulatory Action

The FCA issued an official warning about this clone on December 13, 2024. The FCA warning page for Everything Financial Loans UK confirms this is an unauthorised firm using the details of a genuine FCA-regulated company.

The scam has been documented across multiple regulatory and consumer protection databases. The FCA's unauthorised firm register entry for Everything Financial Loans UK was published on December 13, 2024, providing consumers with an official record of this fraudulent operation. The warning has also been shared internationally, including by the Dutch financial regulator AFM, indicating the global reach of this scam.

According to reporting from December 13, 2024, the FCA issued 29 warnings in a seven-day period, with Everything Financial Loans UK being among the newly identified clones during this enforcement wave.

Red Flags

• Contact via the email address [email protected], which is not an official company domain
• Use of the phone number 02071932486, which does not match the legitimate firm's contact details
• Pressure to provide personal, identity, or banking information before formal verification
• Requests for upfront fees or deposits before loan approval
• Inability to verify credentials through the official FCA register at www.fca.org.uk
• Poor spelling, grammar, or unprofessional communication in official correspondence
• Offers that seem too good to be true, such as guaranteed loans regardless of credit history

What To Do If You Have Been Contacted

• Do not respond to emails or calls from the contact details associated with this scam
• Do not provide any personal, financial, or identification information
• Do not make any payments or transfers of money
• Verify the legitimacy of any firm independently by checking the FCA register at www.fca.org.uk using the firm reference number
• Report the fraudulent contact to Action Fraud (UK's national fraud reporting centre) or your local law enforcement
• Report the scam email to the FCA using their reporting tools
• Report the email address to your email provider to prevent others from being targeted
• If you have already provided information, monitor your accounts for suspicious activity and consider placing a fraud alert with your bank